Buyer Archives & Insights

Interest rates feel confusing — but they don’t have to be. Here’s a simple breakdown of how rates work, what discount points are, and how to decide if buying points is worth it.

The home inspection is a big moment for both sides. Here’s a clear look at what’s evaluated, how the process works, and what happens next.

Want your offer to stand out? Here’s the strategy behind crafting clean terms, smart contingencies, and competitive numbers — without overpaying.

Closing day should feel exciting, not chaotic. This quick checklist covers the IDs, documents, and details you’ll need so everything goes smoothly.

Before you look at houses, you need this step. Pre-approval sets your budget, strengthens your offer, and helps you shop smarter from day one.

Choosing a loan doesn’t have to feel overwhelming. This guide breaks down the most common mortgage types, who they’re best for, and what each one requires.

Earnest money shows you’re serious. Here’s how escrow works, how much to expect, and what protects your deposit during a transaction.

The homestead exemption can save you money — if you know how to claim it. Here’s what Alabama homeowners should understand about eligibility, deadlines, and long-term benefits.

The appraisal is a major milestone. Learn what appraisers look for, what happens if the value comes in low, and how the process impacts your loan.